APPENDIX B - 2020 Rates Short Term Disability
Option 1 : Your weekly Short Term Disability benefit will be 40 % of your weekly pre-disability earnings , up to a maximum of $ 1,250 , less deductible sources of income . No medical questions asked - if enrolling when first eligible .*
" How much does STD insurance cost ?"
Use the chart below to find the cost of STD insurance . If your salary is not noted , follow the steps below . Your maximum weekly benefit amount is up to $ 1,250 . All salaries of $ 162,500 and above have a bi-weekly cost of $ 22.50 .
Short Term Disability - Employee Bi-Weekly Cost per Coverage Amount
Annual Income Weekly Benefit STD Cost Annual Income Weekly Benefit STD Cost $ 12,000 $ 92.31 $ 1.66 $ 60,000 $ 461.54 $ 8.31 $ 13,000 $ 100.00 $ 1.80 $ 65,000 $ 500.00 $ 9.00 $ 14,000 $ 107.69 $ 1.94 $ 70,000 $ 538.46 $ 9.69 $ 15,000 $ 115.38 $ 2.08 $ 75,000 $ 576.92 $ 10.38 $ 20,000 $ 153.85 $ 2.77 $ 80,000 $ 615.38 $ 11.08 $ 25,000 $ 192.31 $ 3.46 $ 85,000 $ 653.85 $ 11.77 $ 30,000 $ 230.77 $ 4.15 $ 90,000 $ 692.31 $ 12.46 $ 35,000 $ 269.23 $ 4.85 $ 95,000 $ 730.77 $ 13.15 $ 40,000 $ 307.69 $ 5.54 $ 100,000 $ 769.23 $ 13.85 $ 45,000 $ 346.15 $ 6.23 $ 125,000 $ 961.54 $ 17.31 $ 50,000 $ 384.62 $ 6.92 $ 150,000 $ 1,153.85 $ 20.77 $ 55,000 $ 423.08 $ 7.62 $ 162,500 $ 1,250.00 $ 22.50
Rates may change if plan experience requires a change for all insureds .
How to Calculate Your Total STD Bi-Weekly Cost
Step 1 Indicate your weekly earnings . =$ Step 2 Multiply your weekly earnings by 40 %. = $
Step 3
Step 4
Step 5
If the amount in Step 2 is greater than $ 1,250 , indicate $ 1,250 . Otherwise , indicate the amount from Step 2 .
Multiply the amount in Step 3 by the rate of $ 0.039 to obtain your total STD monthly cost .
Multiply the amount in Step 4 by 12 and divide by 26 to obtain your total STD bi-weekly cost .
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Benefits , exclusions and provisions may vary by state . Refer to the plan booklet for details .
For your coverage to become effective , you must be actively at work on the effective date of the plan . If you apply for an amount that requires satisfactory evidence of insurability to The Prudential Insurance Company of America , you must be actively at work on the date of approval for the amount requiring satisfactory evidence of insurability . Optional Term Life , Dependent Term Life , Long Term Disability , Short Term Disability , Accidental Death & Dismemberment Insurance coverages are issued by The Prudential Insurance Company of America , a Prudential Financial company , Newark , NJ 07102 . The Booklet-Certificate contains all details , including any policy exclusions , limitations , and restrictions , which may apply . Contract Series : 83500
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